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CitigroupC +3.20%74 Price-to-Tangible-Book is 1.35 as of Jul. 21, 2026, which is 63% above its 10-year median of 0.83. GuruFocus rates C with a GF Score™ of 74/100 and a GF Value™ of $81.41 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,502 Banks companies, Citigroup ranks worse than 55.39% on this metric.
As of today (2026-07-21), Citigroup's share price is $132.84. Citigroup's Tangible Book per Share of Mar. 2026 for the quarter that ended in Mar. 2026 was $98.56. Hence, Citigroup's Price to Tangible Book Ratio of today is 1.35.
The historical rank and industry rank for Citigroup's Price-to-Tangible-Book or its related term are showing as below:
C'
s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.48 Med: 0.83 Max: 1.33
Current: 1.32
During the past 13 years, Citigroup's highest Price to Tangible Book Ratio was 1.33. The lowest was 0.48. And the median was 0.83.
C's Price-to-Tangible-Book is ranked worse than 55.39% of 1502
companies
in the Banks industry
Industry Median: 1.18
vs C: 1.32
A closely related ratio is called PB Ratio. As of today, Citigroup's share price is $132.84. Citigroup's Book Value per Sharefor the quarter that ended in Mar. 2026 was $112.23. Hence, Citigroup's P/B Ratio of today is 1.18.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Citigroup Price-to-Tangible-Book Related Terms
Citigroup Price-to-Tangible-Book Historical Data
* Premium members only.
The historical data trend for Citigroup's Price-to-Tangible-Book can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
C vs WFC, BNY, BAC: Price-to-Tangible-Book Comparison
For the Banks - Diversified subindustry, Citigroup's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citigroup Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Citigroup's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Citigroup's Price-to-Tangible-Book falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Citigroup (C) has a Price-to-Tangible-Book of 1.35 as of Jul. 21, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Citigroup and its competitors. This is 63% above median its historical median of 0.83. Over the past decade, Citigroup's Price-to-Tangible-Book has ranged from 0.48 to 1.33. According to the industry distribution chart, Citigroup ranks #832 out of 1502 companies in the Banks industry, placing it in the top 55.4%.
Is Citigroup's Price-to-Tangible-Book too high?
Citigroup's current Price-to-Tangible-Book of 1.35 is 63% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 1.33. The Banks industry median Price-to-Tangible-Book is 1.18. Citigroup's value of 1.35 is 14.4% above this industry median. Based on the distribution chart, Citigroup ranks #832 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Citigroup has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citigroup's Price-to-Tangible-Book compare to WFC and BNY?
According to the Banks industry distribution chart, Citigroup ranks #832 out of 1502 companies for Price-to-Tangible-Book. This places Citigroup in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.18. Citigroup's value of 1.35 is 14.4% above this benchmark. Historically, Citigroup's own Price-to-Tangible-Book has ranged from 0.48 to 1.33 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 1.18, Citigroup has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.18, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citigroup's current Price-to-Tangible-Book of 1.35 is 14.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Citigroup and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citigroup's current Price-to-Tangible-Book is 1.35, which is 63% above median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citigroup stock overvalued right now?
Based on GuruFocus' analysis, Citigroup (C) is currently considered Significantly Overvalued. The stock's GF Value™ is $81.41, compared to a current price of $132.84 — trading 63.2% above its estimated fair value. The current Price-to-Tangible-Book is 1.35, which is 63% above median its 10-year median of 0.83 and 14.4% above the Banks industry median of 1.18. Citigroup's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Citigroup (C), the current Price-to-Tangible-Book is 1.35 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citigroup (C) Overvalued in 2026?
Based on GuruFocus' analysis, Citigroup stock appears to be overvalued.
The current stock price of $132.84 is trading 63.2% above its estimated GF Value™ of $81.41.
GuruFocus considers Citigroup to be Significantly Overvalued.
Key valuation signals for C:
Price-to-Tangible-Book: 1.35 (63% above median its 10-year median of 0.83)
GF Value™: $81.41 vs. price of $132.84 (63.2% above fair value)
Industry Position: 14.4% above the Banks median (#832 of 1502)
No single metric tells the full story. See the C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citigroup is a global financial powerhouse that orchestrates the movement of $5 trillion in daily transaction volume, serving as the essential connective tissue for the world's most complex multinational corporations. The firm remains a leader on the global stage, servicing 90% of the Fortune 500 through a proprietary network that includes direct membership to over 270 cash-clearing centers and a footprint that spans 94 countries. After a checkered history operating as an overly complex, disjointed firm, steps have been taken to streamline operations, resulting in organization across five segments: services, markets, banking, wealth, and US personal banking.
74GF Score
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